Melrose, MN · Charter 68604
NCUA · 28 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
95
Profitability
34
Liquidity
20
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Melrose, MN · Charter 68604
NCUA · 28 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.35% | 0.44% | 0.64% | 0.56% | 0.70% | 0.45% | 0.61% | -3 bps | |
| Return on Equity | 3.08% | 3.12% | 3.97% | 5.72% | 5.08% | 6.29% | 4.02% | 5.51% | -21 bps | |
| Net Interest Margin | 2.56% | 2.63% | 2.78% | 2.91% | 3.00% | 3.08% | 3.10% | 3.26% | +35 bps | |
| Efficiency Ratio | 78.57% | 76.22% | 81.15% | 77.67% | 75.98% | 75.18% | 84.53% | 75.23% | -244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.19% | 4.25% | 2.78% | 2.57% | 3.23% | 7.16% | 7.12% | 9.59% | +702 bps | |
| Loan Growth (YoY) | 0.68% | -0.25% | 5.25% | 7.45% | 15.16% | 14.66% | 9.94% | 11.99% | +454 bps | |
| Share Growth (YoY) | 11.86% | 10.66% | 7.84% | 6.28% | 5.40% | 5.71% | 6.99% | 8.22% | +194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.50% | 0.44% | 0.46% | 0.47% | 0.36% | 0.18% | 0.21% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.91% | 11.25% | 11.09% | 11.22% | 11.06% | 11.20% | 11.18% | 11.04% | -18 bps | |
| Net Worth / Assets | 10.91% | 11.25% | 11.09% | 11.22% | 11.06% | 11.20% | 11.18% | 11.04% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.01% | 92.20% | 94.01% | 96.23% | 99.43% | 100.00% | 96.60% | 99.58% | +335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Melrose, MN · Charter 68604 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
Return on Assets
0.61%
Rank 305 of 435
Net Interest Margin
3.26%
Rank 257 of 435
Efficiency Ratio
75.23%
Rank 285 of 435
Equity / Assets
11.04%
Rank 197 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.55% | 0.81% | 1.14% | Beats 30% | 305 / 435 | ||
| Return on Equity | 5.51% | 5.12% | 7.41% | 9.70% | Beats 30% | 306 / 435 | ||
| Net Interest Margin | 3.26% | 3.01% | 3.39% | 3.75% | Beats 41% | 257 / 435 | ||
| Efficiency Ratio | 75.23% | 65.25% | 71.39% | 77.86% | Beats 35% | 285 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.45% | 0.69% | 1.05% | Beats 95% | 23 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.04% | 9.81% | 10.84% | 12.63% | Beats 55% | 197 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.04% | 9.81% | 10.84% | 12.63% | Beats 55% | 197 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.58% | 78.33% | 88.38% | 95.61% | 84th pctl | 71 / 435 | ||
| Loans / Assets | 82.15% | 67.69% | 74.58% | 80.80% | 83rd pctl | 73 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||